Who Is Required to Be Covered

• Each state has different requirements, but generally any business that has full- or part-time employees must carry workers' compensation insurance to cover these employees.
  
  

Employees Exempt from Coverage

• Typically, business owners, people who work in personal homes, unpaid volunteers, independent contractors and workers on farms are exempt from workers' compensation insurance.
  
  

Requirements in Your State

• Your state workers' compensation office is the source to go to for specific requirements for workers' compensation insurance for your location and type of business.
  
  

Variations in Requirements

• In addition to the types of employees who need to be covered, variations by state include how much coverage is required and how much the insurance costs.
  
  

Where to Get Workers' Compensation Coverage

• You can get coverage through a commercial insurance company or your state workers' compensation insurance program, or you may handle it on a self-insured basis if you meet the qualifications to do so.